Kuvhara mari ndeye mari, kuwedzera kune chikwereti chekubhadhara chikwereti , chabhadharwa pakugadzirisa. Maererano neZillow, izvi zvinodhura zvinowanzoita 2 kusvika ku5 muzana yemutengo wekutenga pamba. Mariro inoshandiswa pakati pehurumende, asi kutengesa mari kunogona kunge kune mari shoma kudarika mari inotengwa.
Chii Chiri Kuvhara Mari Yakavhara uye Ndivanaani Variko?
Kunyange zvazvo zvizhinji zvezvikwereti zvakabatanidzwa nekubhadhara mari, vamwe vanozvimiririra kune chikwereti chemari . Zvimwe zvikwereti zvinowanzobatanidzwa kune mutengi kana mutengesi, asi chero chinhu chinotaurirana. Muchitengi chemutengesi, kana zvinhu zvishoma nezvishoma kutengesa, kuzvidya mwoyo vatengesi vanowanzobvumirana kubhadhara chikamu chemari yekuvhara kwevatengi. Izvi hazviitike kuitika mumutengesi wemutengesi, kana dzimba dzichitengesa nokukurumidza.
Zvimwe zvinodhura zviri pachena basa rekutengesa. Semuenzaniso, mutengesi anowanzobhadhara total real estate commission ; iyi ndiyo mari yekuvhara kune mutengesi. Mari yacho inodururwa kubva pane zvakatengeswa zvekutengesa, uye mujeri wekuvhara anonyora cheki kune zvakatengeswa uye kutengesa makambani edzimba. Saizvozvowo, mutengesi anokweretesa yake chaiyo yemugovera, kana akachengetedza imwe. Kana mutengesi asina kubhadhara mitero yegore negore, mutengesi anopa chikwereti mutengi kwemazuva ezuva mutengesi aiva neimba gore iroro.
Iyi chikwereti inoderedza mari yakawanikwa nomutengi pakuvhara.
Muchengeti anowanzobhadhara mari yekubhadhara mari - kushandiswa, zvinyorwa zvepakutanga, zvinyorwa zvitsva, mortgage inshuwarisi , chikwereti chekwereti, chikwereti chemari mutengesi. Vatengesi havakwanisi kutengesa zvose izvi zvikwereti zvekutengesa kwega. Chinhu chinotangira chikwereti chinopa chikwereti kune chikwereti kana kuti chikwereti chekwereti nokuda kwebasa ravo; chikamu chinotadzisa chinoderedza chikamu chekufarira .
Nhamba imwe neimwe inotora 1 muzana yemari yemari. Taura nemukuru wako weimba yechikwereti pamusoro pekugona kwekuita mari - kusanganisira mune chikwereti - zvimwe zvezvikwereti izvi. Izvi zvichawedzera mari yako yekubhadhara mari pamwedzi, asi kuderedza mari yaunoda kuti uuye nayo kutafura yekuvhara.
Zvimwe Kuvhara Mari Dzaifanira Kubatanidza muImba-Kutenga Budget
Kuvhara mari inosanganisira zvakawanda zvakasiyana nemari. Semuenzaniso, zita rehutuguru rinodzivirira kusakanganiswa kwekare mune zvinyorwa, zvakadai semapepa akavakirirwa, vagari venhaka vasina kuzivikanwa kana zvisizvo zvisingazivikanwi. Kune mazano maviri akasiyana anowanzobudiswa panguva imwe chete. Imwe ndeye mutero wekwereti inobvumirwa kana uri kugamuchira chikwereti. Chechipiri ndiyo inosarudzwa, asi yakakurudzirwa, mutemo weimba yeimba. Maitiro emunharaunda anoshanda kune avo vanobhadhara, asi vatengi nevatengesi vanowanzotaurirana nezvehutano hwehutano hwehutano Iyo mitemo inowanzopa mari inopfuura 1 muzana yemutengo wekutenga wemusha.
Nyaya dzekurekodha mari dzinopomerwa zvechiito uye kubhadhara kana chiito chekutendwa . Hurumende inogonawo kuongorora mari yekutsvaga mari itsva uye inofungidzirwa zvekare - inowanzobhadharwa nemunhu anenge akwereta - uye pamutemo, yakabhadharwa nemutengesi.
Vatengesi vanoda inshuwarisi yengozi yemuvakidzani. Kuwedzera kwemafashamo, mhepo kana kudengenyeka kwenyika kunogonawo kuva mvumo, zvichienderana nenzvimbo yeimba yacho.
Iyi mitemo yegore negore inobatsira pazuva rekuvhara, asi muridzi weimba anogona kuvabhadhara nguva isati yasvika. Mariro inowirirana zvikuru pakati pevashandi, saka shandisai kutengesa mari yakanakisisa inosangana nezvido zvenyu. Zuva rose regore rose rinokonzerwa nokuvhara.
Vatengesi vanoda kuongororwa kwenzvimbo iyo mutengi anowanzobhadhara panguva yekuongorora. Mitengo inoshanduka zvichienderana nehukuru hweimba, uye FHA zviongorori zvinodhura kupfuura zvinongororwa zvekare.
Vatengesi vanotorawo mwedzi miviri yekubhadhara mari yezvinhu zvakaderedzwa izvo zvinowanikwa mubhadharo yenyu yekubhadhara mari, yakadai sengozi yehutachiwana uye mitero yemitero. Izvi zvinodhura zvinogonawo kuitika pakuvhara.
Kunzwisisa Kutenda Kwako Kwakanaka Kukoshesa
Heino rakanyatsorongororwa rondedzero yekufananidzira kwekuvhara mari, iyo inofanira kuiswa pachena muKutenda kwakanaka Kutarisa:
- Mari yekutanga yemari (1% yemari yakakweretwa, kana $ 100 ye $ 10,000 inokweretwa)
- Mari yekuderedza mari
- Mari yekushandiswa kwemari yechikwereti ($ 75 kusvika $ 400)
- Pfungwa ("kutenga pasi" chikwata chekufarira: pakati pe $ 100 ne $ 300 ye $ 10,000 inokweretwa)
- Mutevedzeri wemuteereri weLender
- Mutengi wemuchengeti wemhosva
- Kuongorora mari
- Credit Report
- Lender's check check
- Mortgage broker commission kana mari
- Mutero wemutero
- Processing yemari
- Underwriting mubhadharo
- Wire Transfer fee
- Kufarira kubva pazuva rekugadzirisa kusvika pazuva rokutanga kubhadhara mari
- Purofimende ye mortgage yeruzhinji yekudzivirira chikwereti chako ($ 750 kusvika $ 1750)
- Mishonga yeInishuwarenzi yeHazard
- Imitero yemitoro kubvira pazuva rokugadzirisa kusvika kumagumo egore rekutere
- Nzvimbo yekugara kana yekuvhara / yekuvhara
- Nyaya yekugadzirira zvinyorwa
- Notary mubhadharo
- Tsvakurudzo yekutsvaga uye yehutano yveshuwarisi kuchengetedza chikwereti chako ($ 400 kusvika $ 600)
- Chikoro cheshuwarisi kuti chidzivirire iwe
- Kurejera mari
- Matanho emitero
- Pest inspection
Mutemo we Real Estate Settlement Procedures Mutemo unoda kuti vatapi vematare vanotumira vanotora mukana wekutenda kwakanaka (GFE) yekuvhara mari inotarisirwa mukati memazuva matatu ebhizimusi nekusainira chikumbiro chechikwereti. Izvi zvinotarisirwa zvichange zviri pedyo nemhosva yekupedzisira uye inowanzosvika mazuva makumi matatu tisati tavhara. Kana uchida nguva yakawanda yekugadzirira, bvunza mukuru wechikwereti kuti akugadzirire iwe chikwereti usati watanga kutarisa kumisha. Kumbira GFE yekufungidzirwa mhosva. FHA zvikwereti zvinobvumira kuti kugadzirisa mari kubhadharwe nechipo chemari, uye nyika yako kana guta ringave nemapurogiramu ekutanga ekutanga ekubatsira ekuvhara mari mari. Kurukurai mukana wekodzero yekwereti yemunharaunda kana yekutengesa imba.